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purchase options - strata

Purchase Options

There are a range of purchase options available to you when buying a new home. From using the Help to Buy scheme to boost your buying power to part exchanging your current home when buying your new one, find out more about the options and which ones are right for you.
From using the Help to Buy scheme to boost your buying power to part exchanging your current home when buying your new one, find out more about the options.
Buying a new home
Help to Buy: Equity Loan

First Time Buyers: Buy a new home with 5% deposit

This government-backed scheme allows you to own 100% of your home and only pay 80% of the price upfront. You provide the 5% deposit and the government will lend you up to 20% as an equity loan. You can then apply for a mortgage based on the remaining 75% of the house price.
The Help to Buy: Equity Loan is available to first time buyers and is subject to eligibility, terms and conditions apply. Regional price caps do apply, and rhe Equity Loan is only avauilable on new build homes, built between April 2021 and March 2023.

Find out more  How much can I afford
Part Exchange

Part Exchange. If we profit, so do you.

Choose our Part Exchange Package and you’ll receive:
• 50% of any profit we make when we sell your old home
• Independent and transparent valuations
• No estate agent fees or hassle
• A long weekend to move
• £1000 towards your removal costs
• Professional house clean when you’ve moved out

Find out more Value My Home

Assisted selling plan

A bespoke selling plan for homeowners

The Assisted Selling Plan is designed to help homeowners climb the property ladder. As part of the scheme, we will organise the sale of your existing home, making sure you receive the best possible price. This will allow you to reserve your new home with us.

We will create a personal selling plan, including a review of the property market in your area and an agreed sale price for your home based on two independent valuations. We will work closely with the nominated estate agent to arrange all viewings and enquiries. All offers will be presented to you, and our Customer Experience Manager will guide you through the negotiation process. 

Once you accept an offer we will track the sale of your home, while you start planning for your brand new one.
If your chosen home is ready within a four-month period, we may offer to buy your existing home in part exchange.

Find out more
Purchase Options FAQs
What is the Help to Buy scheme?

Help to Buy is a government-funded scheme that allows first time buyers to buy a new build home with 5% cash deposit and a 75% mortgage from a commercial lender. The remaining 20% is borrowed from the government and is interest free for the first five years.

Do I need a mortgage in principle?

Not every house purchase requires a mortgage in principle, but it can be reassuring to have one, especially if your new home might not be completed for several months. A formal mortgage offer might have expired by the time your home is ready.

Can I increase my mortgage or take out an additional loan?
You must have any further loans or mortgage advances approved by the Post Sales Help to Buy Agent.

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